Recent Use Cases of Supervisory Granular Data for Financial Stability Analysis
March 6, 2026
OISHI Hiroshi*, MAKABE Yoshibumi, OSADA Mitsuhiro
Financial System and Bank Examination Department
* Currently in the Personnel and Corporate Affairs Department.
Abstract
This article provides an overview of how supervisory granular data, particularly loan-by-loan data from banks, is used in recent analyses of the financial system at the Bank of Japan. The transaction-level granular data uncovers new facts that are difficult to identify from conventional aggregated data alone. As such, it serves as a powerful tool for detecting vulnerabilities within the financial system and evaluating potential risks. It is important to keep advancing analytical methods for utilizing granular data, thereby contributing to the enhancement of financial stability assessment and the improvement of banks' risk management.
Notice
The Bank of Japan Review Series is published by the Bank to explain recent economic and financial topics for a wide range of readers. This report, 2026-E-2, is a translation of the Japanese original, 2026-J-3, published in March 2026. Views expressed are those of the authors and do not necessarily reflect those of the Bank.
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